The risk-free rate is 4.8% and you believe that the S&P 500's excess return will be 9.7% over the next year. If you invest in a stock with a beta of 1.1 (and a standard deviation of 30%), what is your best guess as to its expected excess return over the next year? g

Hundreds of a bank's customers have called the customer service call center to complain that they are receiving text messages on their phone telling them to access a website and enter personal information to resolve an issue with their account. what action should the bank take?